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    • Thank you Bankfodder.  I used the term frustrated agreement purely based on my own research and what I found on the Govt's website, especially in relation to Covid.  My situation appeared to fit but if it doesn't, it doesn't. The length of time the actual works themselves will take is not written into the agreement but I was told 2 weeks, they are doing the interior ceiling and electrics too. I was prepared to accept the new date of 7th Dec until I was told I couldn't speak to their Director for two weeks and then found out that they haven't applied for building regulations yet, this is something else they are doing on my behalf.  As they can't order anything until they have the regs through I can't see how the roof is in the process of being made (which is what they keep claiming). I contacted the CAB as I wanted this wrapped up for the weekend and had two conflicting recommendations on this forum.  One to just let the credit card company handle things and others saying I must give more time.  I'm not complaining, am grateful for advice - just getting more and more confused as to what I can/can't do. If I can avoid it at all I would rather not go through another 6 weeks of this, waiting for them to prove that they can't manage the Dec.date.  By that stage it could well be feasible that the roof is in the manufacturing stage, where as at the moment it can't be, which would further complicate things. Based on all this and what the CAB said I sent the email below last night and received Homeview's response this morning. If it came to it that I retracted what I've said and allowed them to go ahead for 7th Dec. and they didn't manage that date, wouldn't it be the credit card company that would recover the deposit - not me?  BTW I raised a dispute with Capital One last night. Email.pdf
    • oh dear  i think you are in for a big shock   i doubt very much the loan is settled there will be £100's in unlawful fees i bet   we have numerous threads here about them in 2016 they were residing at   PO Box 1044 ipswich IP1 9YA   i would be sending them an SAR  don't ever ring them.   have you checked your deeds online recently? check they are on there. and has the loan ever been subject to legal action?   if not that would be a rare thing to us.   https://cse.google.com/cse?cx=partner-pub-8889411648654839:3134625398&q=Skye Loans&oq=Skye Loans&gs_l=partner-generic.12...0.0.1.951169.0.0.0.0.0.0.0.0..0.0.csems%2Cnrl%3D13...0.0....34.partner-generic..1.0.0.1dXrS2w9t2c    
    • doesn't say will anything. read it properly and carefully.   only the owner of a debt can get one of the many fake/tame paperwork only solicitors to issue any proceedings and they would have to abide by the courts pre action protocol of 30  days letter first!   as it's owner...i can try and instruct my dog to sit, if it does is a totally different matter. if my neighbour, who doesn't own my dog, tries it, it would ignore them.   the bottom line is there is nothing anyone can do to you. gyms don't do court gym debts don't appear on credit files.   any DCA they might get to write to you ARE NOT BAILIFFS any a DCA has ZERO legal powers on any debt, no matter what it's type.   dx    
    • This letter arrived in the post today, please advise how to proceed. I know the forums say they won't action but am very worried about this
    • go save his bacon clint and put him right...   dx  
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    • I came across this discussion recently and just wanted to give my experience of A Shade Greener that may help others regarding their boiler finance agreement.
       
      We had a 10yr  finance contract for a boiler fitted July 2015.
       
      After a summer of discontent with ASG I discovered that if you have paid HALF the agreement or more you can legally return the boiler to them at no cost to yourself. I've just returned mine the feeling is liberating.
       
      It all started mid summer during lockdown when they refused to service our boiler because we didn't have a loft ladder or flooring installed despite the fact AS installed the boiler. and had previosuly serviced it without issue for 4yrs. After consulting with an independent installer I was informed that if this was the case then ASG had breached building regulations,  this was duly reported to Gas Safe to investigate and even then ASG refused to accept blame and repeatedly said it was my problem. Anyway Gas Safe found them in breach of building regs and a compromise was reached.
       
      A month later and ASG attended to service our boiler but in the process left the boiler unusuable as it kept losing pressure not to mention they had damaged the filling loop in the process which they said was my responsibilty not theres and would charge me to repair, so generous of them! Soon after reporting the fault I got a letter stating it was time we arranged a powerflush on our heating system which they make you do after 5 years even though there's nothing in the contract that states this. Coincidence?
       
      After a few heated exchanges with ASG (pardon the pun) I decided to pull the plug and cancel our agreement.
       
      The boiler was removed and replaced by a reputable installer,  and the old boiler was returned to ASG thus ending our contract with them. What's mad is I saved in excess of £1000 in the long run and got a new boiler with a brand new 12yr warranty. 
       
      You only have to look at TrustPilot to get an idea of what this company is like.
       
      • 3 replies
    • Dazza a few months ago I discovered a good friend of mine who had ten debts with cards and catalogues which he was slavishly paying off at detriment to his own family quality of life, and I mean hardship, not just absence of second holidays or flat screen TV's.
       
      I wrote to all his creditors asking for supporting documents and not one could provide any material that would allow them to enforce the debt.
       
      As a result he stopped paying and they have been unable to do anything, one even admitted it was unenforceable.
       
      If circumstances have got to the point where you are finding it unmanageable you must ask yourself why you feel the need to pay.  I guarantee you that these companies have built bad debt into their business model and no one over there is losing any sleep over your debt to them!  They will see you as a victim and cash cow and they will be reluctant to discuss final offers, only ways to keep you paying with threats of court action or seizing your assets if you have any.
       
      They are not your friends and you owe them no loyalty or moral duty, that must remain only for yourself and your family.
       
      If it was me I would send them all a CCA request.   I would bet that not one will provide the correct response and you can quite legally stop paying them until such time as they do provide a response.   Even when they do you should check back here as they mostly send dodgy photo copies or generic rubbish that has no connection with your supposed debt.
       
      The money you are paying them should, as far as you are able, be put to a savings account for yourself and as a means of paying of one of these fleecers should they ever manage to get to to the point of a successful court judgement.  After six years they will not be able to start court action and that money will then become yours.
       
      They will of course pursue you for the funds and pass your file around various departments of their business and out to third parties.
       
      Your response is that you should treat it as a hobby.  I have numerous files of correspondence each faithfully organised showing the various letters from different DCA;s , solicitors etc with a mix of threats, inducements and offers.   It is like my stamp collection and I show it to anyone who is interested!
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Millions of motorists face £100 FINES when new laws come into effect on FRIDAY !!


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New powers come into force on Friday that could lead to millions of fines handed out to motorists by police for committing driving offences they did not know existed !!!

 

 

http://www.dailymail.co.uk/news/article-2391203/Millions-motorists-face-fined-range-sweeping-new-police-powers-tackle-careless-drivers.html

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With the revenue this is going to rake in, I can't see the logic behind making cuts in the police force if supposedly it's to save money.

 

With the traditional role of a police officer being unrecognisable and it now primarily being about making profits, the logic would be to have an increase in officer numbers to boost fines revenue.

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Flame me if you like but I welcome these new rules. I'm sick to death of people who demonstrate staggering levels of stupidity/ineptitude on the motoways. Middle lane hogging especially.

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Flame me if you like but I welcome these new rules. I'm sick to death of people who demonstrate staggering levels of stupidity/ineptitude on the motoways. Middle lane hogging especially.

 

I agree with you sequence. There is also something very irritating about drivers who see the signs for lane closures who continue right up to the actual closure and then try to force their way into traffic that made the move over earlier.

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Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

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I'm all for tackling middle lane hoggers who tootle along under the speed limit. After all, they reduce a 3 lane motorway down to a two lane one.

 

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The advice I offer will be based on the information given by the person needing it. All my advice is based on my experiences and knowledge gained in working in the motor and passenger transport industries in various capacities. Although my advice will always be sincere, it should be used as guidence only.

 

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The advice I offer will be based on the information given by the person needing it. All my advice is based on my experiences and knowledge gained in working in the motor and passenger transport industries in various capacities. Although my advice will always be sincere, it should be used as guidence only.

 

I would always urge to seek face to face professional advice for clarification prior to taking any action.

 

Please click my reputation 'star' button at the bottom of my profile window on the left if you found my advice useful.

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If they've got a driving license, they should know what the Highway Code states about driving too close and keeping to the left unless they're overtaking. Copping a £100 fine will help them remeber which will be a good thing for those drivers who take notice of the Highway Code.

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Although I agree with them I wonder how they are going to enforce them? To avoid hogging the middle lane, hog the outer lane as it seems that is not an offence. :wink:

I can see a lot of people going to court and spreading payments over a few months. I have always maintain that fines should be relevant to your income, i.e. 10% of your annual income as £100 is nothing to a fat cat, but a hell of a lot of money to someone on JSA. Sometimes no matter how good you are, you make a mistake because you are human, but being human costs you!

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New powers come into force on Friday that could lead to millions of fines handed out to motorists by police for committing driving offences they did not know existed !!!

 

 

 

http://www.dailymail.co.uk/news/article-2391203/Millions-motorists-face-fined-range-sweeping-new-police-powers-tackle-careless-drivers.html

 

 

 

 

Good.

 

Especially the middle lane hoggers on the motorway.

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Personally, i would have liked to see another punishment. If you get caught 3 times in breach of the highway code, you are forced to sit an advanced theory test. This requires the participant to get a much higher score on the test than anyone else would normally be required to. If they fail the test, they get one more chance ( the participant has to pay for the tests themselves). Fail the theory a second time, and another fine is incurred, or depending on the score, a driving ban.

 

The government NEEDS to come down HARD on bad drivers. It is that simple.

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Lorries are meant to stay in the left hand lane and only overtake when its safe to do so and upcoming traffic is slower than the lorry.

 

Unfortunately many lorry drivers and regular drivers took their test years ago and think current rules dont apply to them.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

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On the spot fines have been used in Germany for a great number of years. With very few problems you can appeal but if found guilty then the fine is increased. But then again the German system of M.O.T, car insurance and traffic regulation is very strict and they had written tests and first aid tests twenty years before we changed our laws

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They should bring in a ban for folk using mobiles whilst driving, roads would be empty, maybe that's why they wont.

 
 

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Personally, i would have liked to see another punishment. If you get caught 3 times in breach of the highway code

 

The problem you have there is that the Highway Code is not law, but simply a set of rules and guidelines (except of course where the rule is backed up by a traffic order or regulation), apart from which not all aspects of the Highway Code are factually correct or enforceable.

 

But back to the original point is the fact that it is not the rules that have changed, it is the way these rules are enforced. Centre Lane hogging has always been an offence, in particular under a sub section of section 3 or the road traffic act, driving without reasonable consideration for other road users, and i was booking people for this offence back in the 70's and 80's.

 

A recent survey (I think by the IAM) has revealed that 1 in 10 drivers believes that lane 1 is for HGV's only. That goes to show how lazy and uneducated the motoring public are by and large.

 

I was the guest speaker a few weeks ago and the subject was raised and I was asked for my opinion. I threw it back and asked them what they thought the Highway Code said, and the number that responded that it said Slow, fast and overtaking was astounding. 99% did not realise that lane 1 is the driving lane and lanes 2 and 3 were simply overtaking lanes, and then I pulled out a few pictures of Motorway crashes I have dealt with over the years which have occurred as a result of drivers hogging lane 2 and it made a few people take notice and a few cringe.

 

The same with hand held mobiles. The number of people I see with a phone glued to their ear, which is not only a giveaway, but also causes a physical reduction in the control of their vehicle, and yet for 5 or 6 quid they could get a Bluetooth, but they are quite happy to put themselves and others at risk by continuing to use a hand held, not to mention that it is usually these morons who are the first to moan when they get caught and fined!

 

Sorry, I will get off my soap box now, rant over

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If the government wanted to change behaviour of motorists all they have to do is make all motoring offences arrestable offences. This makes for a slightly higher burden of proof for prosecution but then enables the police to remove the miscreants from the road that very instant.

15% of accidents are caused by people driving too slowly for the road conditions so addressing driving without due care is a good thing as many fo those who get clobbered wont believe they are actually doing anything wrong as they have just got into bad habits.

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It isn't just mobile phone users that are a nuisance. I was astonished to see a female driver applying makeup whilst in the outside lane !!

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2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

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Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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It wont achieve much. People think its more of a money making exercise than the actual reality of preventing accidents.

 

I have an ex-friend who shocked me a few months ago. She was caught speeding. 50 mph in a 30 mph zone. SHe had the nerve to scream and shout saying the police were no good and should be out chasing real criminals than picking on motorists. She soon shut up however when she went to court and the judge told her that within the last 3 years there were 4 major accidents and 2 deaths caused by speeding. She was then handed penalty points and a hefty fine. She still complained about it weeks later saying she was unfairly treated.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

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But back to the original point is the fact that it is not the rules that have changed, it is the way these rules are enforced. Centre Lane hogging has always been an offence, in particular under a sub section of section 3 or the road traffic act, driving without reasonable consideration for other road users, and i was booking people for this offence back in the 70's and 80's.

 

Well said, and well done for taking the trouble to prosecute (or atleast stop and give warnings) for this offence before the enforcement policy changed.

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